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Most companies are smart enough to have FSCO filing to not insure modifications, the large companies all have it... as per one of your statements comparing swapping a Cummins into an impala vs swapping a motor into an FRS, an underwriter won’t look at the modification on its own but rather the person who would do this modification. The demographic that swaps the former is different from the latter. Just like big brake kits, the BBK objectively make the car safer but the underwriter will ask why does this person need a big brake kit? At the end of the day there simply isn’t enough data to take the risk and most companies won’t do it even if there is a market. From my experience the only way I’ve ever seen modified cars get on policies is when they are snuck in with large commercial policies.
But I before you all send the mob after me, exterior asthetic mods and mods unrelated to performance a lot of companies are okay with. Over the winter I helped the auto adjusters who were getting smoked with claims and I actually replaced a guys voltex type 2 wing and velox diffuser... insurance is a good faith industry and I can tell you that a lot of stuff gets by... just don’t be that guy who gets your broker to escalate that the adjuster didn’t pay for a Cobb Accessport in your 997 turbo when you said no modifications on your Ontario Application Form because you would be the reason why insurance companies start hating mods...
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